To access the best mortgage deals it is important to have a good credit get. You can check your credit score for free with one of the main three credit reference agencies in the UK: Experian, Equifax and TransUnion. You can use your report to identify areas that you need to improve.

There are various steps you can take to improve your get, plus making certain that all expense was paid down punctually and cutting your debts.

Read our ultimate guide to improve your credit score for the full lowdown. We’ve also put together a 12-few days bundle to a better credit score, which breaks it down into easy-to-follow steps.

5. tax refund loan advance Check in to vote

Before you make a mortgage application, make sure you are on the electoral check in as this can improve your credit score by around 50 activities. It also allows lenders to check that you are who you say you are and make sure the details on your application are accurate.

If you are not registered to vote, you can sign up online. It only takes about five minutes and you’ll need your National Insurance number to hand. Check the Government’s website to see if you are qualified.

6. Maintain your expenses money

Another essential thing you can do to boost your credit score and you can probability of getting your application accepted is to keep the statement money.

Lenders will check your credit report to see how you’ve managed your finances in the past and use this data to predict your future behaviour. Missing just one payment can knock off around 130 issues from your credit score. But if you have a good credit score and a solid history of repaying your bills on time, this will work in your favour.

Ideally, you want to pay your credit card balance off in full each month to avoid all interest and charges. But if this is not possible, you need to pay at least the minimal percentage, so that your credit file isn’t affected. (more…)